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Tag: Improve Credit

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BrightDime’s Steps to Financial Wellness

  • Posted on January 15, 2020July 26, 2022
  • by BrightDime

Financial wellness is building a lifetime of good financial habits. It doesn’t happen overnight, or even in a few months. It takes time and effort but the reward of worrying…

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Can You Visualize Your Financial Future?

  • Posted on December 16, 2019May 19, 2023
  • by BrightDime

What do you see in your future? Can you clearly visualize what’s ahead? One of the benefits of visualizing your future is that it begins to retrain your brain to…

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What Exactly Is a Marginal Tax Rate?
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What Exactly Is a Marginal Tax Rate?

  • Posted on December 13, 2019July 26, 2022
  • by BrightDime

The United States has what is known as a “progressive” tax system, meaning individuals with lower income are taxed at a lower rate than people with a higher income. Your…

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Does Checking Your Credit Report Hurt Your Credit?
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Does Checking Your Credit Report Hurt Your Credit?

  • Posted on November 8, 2019November 17, 2024
  • by BrightDime

The precise formulas that calculate credit scores are a secret and as a result there are a lot of myths about what can hurt and what can help your credit…

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Does Carrying a Balance on a Credit Card Help My Credit Score?
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Does Carrying a Balance on a Credit Card Help My Credit Score?

  • Posted on November 1, 2019November 10, 2023
  • by BrightDime

Credit scores, for better or worse, are an important measure of your overall financial health for most people. But since the exact formulas that calculate the scores are a secret…

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I Have Some Extra Cash. What’s My Best Next Step?

  • Posted on October 4, 2019July 26, 2022
  • by BrightDime

You finally have some breathing room in your budget; you’re spending less than you earn and there’s cash left over at the end of the month. Now you want to…

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How to Find Your Credit Score(s) for Free

  • Posted on September 28, 2019July 26, 2022
  • by BrightDime

Almost everyone knows they have a credit score and that’s it’s important. But people get confused when they see their scores in multiple places and they’re different, sometimes really different.…

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My Credit Score Isn’t That Great and I Want to Improve It. Where Do I Start?

  • Posted on September 28, 2019July 26, 2022
  • by BrightDime

Improving your credit score is a great goal; it impacts so many things in your financial life. Credit scores are based on data reported by your creditors to the credit…

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I Keep Overdrafting and Getting Hit with Late Fees. Where Do I Start?

  • Posted on September 20, 2019July 26, 2022
  • by BrightDime

“Timing is everything!” How many times have you heard that in your life? It applies to your finances also. It’s never fun to get a notice from your bank that…

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Home Buying: Prepare NOW, Before It’s Time To Buy

  • Posted on September 17, 2019July 26, 2022
  • by BrightDime

This is the 2nd entry in our Home Buying series. There are links to the other entries at the end of this article. So you want to buy a house.…

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